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Preventing consumer credit over-commitment and irresponsible lending in Australia

Howell, Nicola (2007) Preventing consumer credit over-commitment and irresponsible lending in Australia. In Howells, Geraint, Nordhausen, Annette, Parry, Deborah, & Twigg-Flesner, Christian (Eds.) The Yearbook of Consumer Law 2007. Ashgate Publishing Limited, UK, pp. 381-387.

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Abstract

Mirroring the trends in other developed countries, levels of household debt in Australia have risen markedly in recent years. As one example, the total amount lent by banks to individuals has risen from $175.5 billion in August 1995 to $590.5 billion in August 2005.1 Consumer groups an~ media commentators here have long raised concerns about the risks of increasing levels of household debt and over-commitment, linking these issues at least in part to irresponsible lending practices. And more recently, the Reserve Bank Governor has also expressed concerns about the ability 'of some households to manage if personal or economic circumstances change.2

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ID Code: 31527
Item Type: Book Chapter
ISBN: 978-0-7546-4733-1
Subjects: Australian and New Zealand Standard Research Classification > LAW AND LEGAL STUDIES (180000) > LAW (180100)
Divisions: Current > QUT Faculties and Divisions > Faculty of Law
Deposited On: 26 Mar 2010 14:17
Last Modified: 29 Feb 2012 23:58

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